The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$71,011
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,220
−HK$2,244/mo
Today · 4.125%
HK$75,464
baseline
▲ 0.50% · 4.625%
HK$80,056
+HK$4,592/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$150,928/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,999
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,118
−HK$2,149/mo
Today · 4.125%
HK$83,267
baseline
▲ 0.50% · 4.625%
HK$87,656
+HK$4,389/mo
Deposit HK$15.57M · loan HK$15.57M · min. income ≈ HK$166,534/mo (50% DSR)
Upfront cash ≈ HK$16.89M (deposit + AVD stamp duty HK$1,323,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,213
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$87,864
−HK$2,693/mo
Today · 4.125%
HK$90,557
baseline
▲ 0.50% · 4.625%
HK$96,067
+HK$5,510/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$181,114/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,799
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$97,342
−HK$2,579/mo
Today · 4.125%
HK$99,921
baseline
▲ 0.50% · 4.625%
HK$105,188
+HK$5,267/mo
Deposit HK$12.46M · loan HK$18.69M · min. income ≈ HK$199,842/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,323,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,416
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$102,508
−HK$3,142/mo
Today · 4.125%
HK$105,650
baseline
▲ 0.50% · 4.625%
HK$112,078
+HK$6,428/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$211,300/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,599
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$113,565
−HK$3,009/mo
Today · 4.125%
HK$116,574
baseline
▲ 0.50% · 4.625%
HK$122,719
+HK$6,145/mo
Deposit HK$9.34M · loan HK$21.80M · min. income ≈ HK$233,148/mo (50% DSR)
Upfront cash ≈ HK$10.67M (deposit + AVD stamp duty HK$1,323,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,820
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$131,796
−HK$4,040/mo
Today · 4.125%
HK$135,836
baseline
▲ 0.50% · 4.625%
HK$144,101
+HK$8,265/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$271,672/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,199
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$146,012
−HK$3,869/mo
Today · 4.125%
HK$149,881
baseline
▲ 0.50% · 4.625%
HK$157,782
+HK$7,901/mo
Deposit HK$3.11M · loan HK$28.03M · min. income ≈ HK$299,762/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$1,323,525 · Scale 2, in force from 26 Feb 2026)